Interactive Investor Review UK, July 2025

Interactive Investor, also known as ii,  is a comprehensive investment platform offering an extensive range of assets and instruments that would suit those who like to cut the middle man and manage their own investment portfolios while also providing a range of options that would suit beginners.

Is interactive investor a good option?

Yes, for those with a substantial investment pot, the flat fee at interactive investor works out as a low-cost option while still providing one of the most extensive ranges of assets available. It is also an established and trusted brand.

What’s its major downfall?

The cost could be prohibitive to investors who are just starting out with less than 50,000 pounds. There are also trading fees every time you buy and sell assets, which are absent on other platforms such as Freetrade. However, if you are a buy and hold investor, this needn’t put you off.

Read on to find out why ii is one of my top picks for an investment platform.

Who is interactive investor?

interactive investor is now part of abrdn plc. It was 100% equity funded with no debt and net assets over £100 million, and it includes large key shareholders such as J.C. Flowers & Co until 2022. In 2019, interactive investor acquired Alliance Trust Savings, resulting in the merger of two of the largest fixed-price retail investment platforms. This makes interactive investor the second largest investing platform in the UK after Hargreaves Lansdown.

Who owns interactive investor?

UK-based global investment company abrdn acquired 100% of interactive investor in 2021.

ii Product Range: Overview

Trading platform

The interactive investor’s GIA, which is focused on Investment products, offers:

• Stocks & Shares
• ETFs (Share ETFs and Index ETFs)
• Investment trusts
• Investment funds
• Bonds & gilts
• Venture Capital Trusts (VCTs)
• US and International Investing

ISAs & SIPPs

ii offer the following ISA and SIPP investment options:

• Stocks and Shares ISA
• Managed ISA
• Junior Cash ISA
• Junior Stocks and Shares ISA
• Self Invested Personal Pension (SIPP)
• Cash Savings

Quick-start Funds

interactive investor’s Quick-start funds are some of the most competitively priced funds on the market. They also provide new investors with access to plenty of reading material on how to make informed investing decision which is really helpful.

The BMO portfolios are split into three funds: Cautious, Balanced, and Growth. These can be matched to your risk profile and are designed to be looked at as investment options that should be allowed three or more years to grow.

Charges for these six funds are as follows:

• 0.28% for the LifeStrategy® 20% equity fund
• 0.27% for the LifeStrategy® 60% equity fund
• 0.27% for the LifeStrategy® 80% equity fund
• 0.35% for the BMO Sustainable Universal MAP Cautious fund
• 0.35% for the BMO Sustainable Universal MAP Balanced fund
• 0.35% for the BMO Sustainable Universal MAP Growth fund

The BMO funds also give investors the opportunity to invest with ESG (environmental, social, and governance) principles.

ii Super 60

In direct competition with the Hargreaves Lansdown Wealth 50 list, ii have introduced their Super 60 list with a range of investments, including active and passive funds, investment trusts, and exchange-traded funds. The Super 60 list is split into the following asset groups:

• Super 60 Equities
• Super 60 Fixed Income
• Super 60 Alternatives

I liked that ii were happy to go into some detail on their website as to the recent performance of these investments, and it certainly seems that they managed to maintain positive returns despite the upheaval to the market caused by the COVID pandemic and the war in Ukraine.

ii ACE 40

ii claim that their ACE 40 list is the UK’s first rated list of ethical investments. The list holds what ii judges to be the 40 best-in-class sustainable funds, investment trusts and exchange-traded funds (ETFs).

There is plenty of information on the website about how each one attained ii rated status, as well as a host of informative articles that can help if you’re considering a sustainable or ethical range of investments.

Model Portfolios

ii have launched four model portfolios to help make investing easier and offer growth or income options. That ii is so transparent with these portfolios is great, as it means even people who don’t hold an interactive investor account can compare the data. The four portfolios are as follows:

• Active Growth: 10 actively managed funds and trusts
• Active Income: 10 high-yielding, actively managed funds and trusts
• Low-cost Growth: 9 low-cost tracker funds and ETFs
• Low-cost Income: 9 low-cost, high-yielding tracker funds and ETFs

ii ISA: At a glance

Trading in your stocks and shares ISA is covered under your monthly fee, so this pricing structure is simple and transparent. It is free to transfer your ISA to ii, and it is also free to transfer your stocks and shares ISA to another broker in the UK if you choose to.

Depending on your confidence level, there are two ways you can approach creating your ISA portfolio: for the DIY investor, you can just start picking and choosing yourself, or, if you want a helping-hand, interactive investor has a range of options to help, including:

• Quick-start Funds: allowing you to choose from three popular Vanguard portfolios
• ii Super 60 Investments: a range of investment choices (picked by a panel of experts) ranked by category with a simple-to-use screener to help you narrow your selection
• Model Portfolios: organised by investment goals to help you create a suitable portfolio that meets your needs.

From a cost perspective, interactive investor’s ISA performs extremely well against the big UK brands. It has also been rated excellent on Trustpilot, scoring 4.7 out of 5 stars. The ii ISA was also named Best Buy ISA 2023 by Boring Money.

Opening an ISA account with interactive investor takes less than 10 minutes, after which you can enjoy your maximum allowance of tax-free investments.

The only negative I came across while conducting my review of the ISA account was the charge of £5.99 on fund switches. However, this can effectively be reduced with an upgraded service plan.

Does ii offer a cash isa?

No, ii does not provide a cash ISA product. Interactive Investor only offers a stocks and shares ISA for a monthly fee.

Important information - investment value can go up or down and you could get back less than you invest. If you're in any doubt about the suitability of a Stocks & Shares ISA, you should seek independent financial advice. The tax treatment of this product depends on your individual circumstances and may change in future. If you are uncertain about the tax treatment of the product you should contact HMRC or seek independent tax advice.

interactive investor Junior ISA

Contributions to the account can be made by anyone, including grandparents and friends, although all contributions will count towards the annual allowance as set by the government (which, for the 2024-25 tax year, is £9,000).

In order to open a Junior ISA with ii, you must either deposit a minimum of £100 as a lump sum or a minimum of £25 per month, which is level with competitors such as Hargreaves Lansdown.

Once the child on the account reaches the age of 18, interactive investor will automatically convert the Junior ISA account to an adult ISA, at which time the child will have full access to any money held within.

This interactive investor account is not available with the Investor Essentials plan.

interactive investor SIPP

Low fees are key to helping improve the return of any investment, particularly a pension, so it makes sense to compare your current fees with ii’s to see how they match up.

It’s super easy and free to transfer your SIPP to interactive investor and on the flip side, should you ever choose to leave, it’s just as easy and free to transfer your SIPP to another broker.

This account is not, however, available on the low-cost Investor Essentials plan.

Also consider: The most important pros and cons of investing in SIPPs

interactive investor’s SIPP does incur an additional charge of £10 per month inclusive of VAT for customers who already have an ISA or a general investment account.

New customers to ii will incur a charge of £12.99 per month for the SIPP and upgrades to the general investment account, and junior ISAs will cost just £7 per month extra. This plan also includes free regular investing; however, there are no free trades.

interactive investor Share Dealing Account

What I particularly like about the interactive investor investment account is that all shares are stored in the same interactive investor share dealing account, and you can control when currencies are converted, which minimises currency exchange costs and even allows currency hedging.

Note: If you want to buy US-listed shares, you need to complete a W-8 Form (due to US regulations), which is very simple to complete. If the account is in your own personal name, then the form can be completed digitally online through the investment platform.

Pricing for the ii share dealing account is dependent on your subscription package. When compared to its major competitors, interactive investor is one of the most competitive in the market, allowing customers to get started for just £4.99 per month for trading accounts under £30,000 and £9.99 per month for trading accounts over that amount.

See also: My best shares to buy now UK guide

interactive investor Free Research Account

Interactive investor Joint Trading Account

The joint account has a flat fee of £9.99 per month and is particularly good for couples who like to manage their money in multiple currencies.

interactive investor Company Account

This offering helps ii stand out in a crowded marketplace as they are one of the only platforms to offer it. A Company Account can be actively managed by up to four people.

interactive investor Pension Account

Investors can set up this investment account in association with a SIPP.

ii Platform Review

Web Trading Platform

As you would expect from one of the UK’s leading investment platforms, ii has a well-designed and easy-to-use web trading platform. This requires two-step authentication, but only if you are logging on from a new device; any subsequent logins only require your password.

The web trading platform allows users to set alerts and notifications on price movements, which are delivered via email or text. There is also a comprehensive search function that allows you to search by typing in a company’s name, an asset ticker, or investment types or markets.

Interactive Investor App Review: Mobile Trading Platform

interactive investor’s mobile platform has a solid 4.7 out of 5 star rating on the app store as, generally, users find it easy to use with a well-laid-out design.

Unfortunately, the app did experience a few teething problems when first launched. However, my experience would suggest that these have been effectively ironed out now.

The app provides access to:

• Shares, ETFs and fund trading
• Portfolio overview and management
• Including your ISA, SIPP, JISA and trading account
• Create and manage your watch lists and curate newsfeed
• Access to customer service
• Easy login via fingerprint and face-recognition

I do feel it’s slightly lacking when it comes to advanced charting tools and customisable trading tools, which experienced traders might find frustrating.

Also consider: My guide to the best investment apps UK

ii Research Tools

ii provides customers with a suite of research tools to help with investing and share-dealing decisions. These include:

Watch-Lists

ii has a more-than-adequate watch list for the typical investor; however, there are definitely better ones out there for more seasoned traders.

Charting

ii has partnered with MorningStar to provide charting features on the investment platform. MorningStar is great for fundamental analysis but is not necessarily known for its technical analysis. With 11 different technical indicators to choose from, the basics are covered, but charting functionality such as drawing and marking up isn’t possible.

Here at investingreviews.co.uk, we prefer the long-term view of fundamental analysis, so don’t see this as a major drawback. However, for those who prefer more detailed analysis, this is something to keep in mind.

Screeners

Through integration with Recognia, there are preset markups of the common technical patterns and a screener available for use.

ii fees and charges at a glance

This is how their pricing looks:

interactive investor charges for a SIPP account

Similar to their Investor plans, they now offer 2 pension plans, Pension Essentials (invest up to £50,000) £5.99 a month and Pension Builder 9Invest over £50,000) £12.99 a month.

Or if you are already subscribing to investor plan, you can add extra £5 to Investor Essentials or £10 a month for Investor Plans and Super Investor Plans.

The Investor option also gives you one free trade per month, while the Super Investor Plan gives you two free monthly trades.

UK and US trades are £3.99 and £5.99.

The verdict? This pricing structure makes ii a very competitively priced platform. For those with large portfolios, the fact ii charges flat fees makes it easier to understand your fees.

Awards for ii

• Which? Recommended Provider for SIPPs – July 2023
• Boring Money Best Buy ISA – 2023
• Boring Money Best Buy ISA – 2023
• ADVFN International Financial Awards – Best Online Stockbroker – 2023
• ADVFN International Financial Awards – Best Stockbroker for International Dealing – 2023
• Financial Times Investors Chronicle – Investment Platform of the Year – 2022

interactive investor FAQs